Natural hazards · Chance

Chance, OK natural hazards

Most of the natural-hazard damage FEMA expects in Chance comes from inland flooding, and overall the risk is very high for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Chance?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chance to be higher than in 85% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes10%Heat waves9%Everything else17%

By hazard

What Chance faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

65% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 12 years in the area

Heat waves

9% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Chance flood?

FEMA's records show no paid flood insurance claims in Chance.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Chance isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Adair County.

Disasters that hit Chance

Federal disasters declared here

None of the disasters declared for Adair County shows FEMA aid or repair money reaching Chance itself in FEMA’s records.

Brought FEMA money into ChanceDeclared for Adair County only

Adair County has had 23 natural disasters declared since 1953, most often severe storms and ice storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Chance is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Chance’s own flood-insurance community; household aid to the registrant’s city; repair grants to Chance. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.